Covered
Example 1
A guest trips over your bag on the terrace and coffee spills onto someone’s laptop. Covered: other people’s belongings.
Temper
Covered during your shifts via Temper
As a FreeFlexer working via Temper, you are insured through Alicia Benefits for business liability, accidents and sick pay during your shifts. Below is what that cover includes.
Business liability
Provides cover if you are liable for damage to a person or other people’s belongings, including those of your client. Active during shifts via Temper.
Wel gedekt
- Damage to people
- Damage to other people’s belongings
- Damage to your client’s belongings you work with (care, custody & control)
- Damage caused with an e-bike (max. 25 km/h)
- Help and costs if you are held liable
Niet gedekt
- Your own belongings
- Intent
- Damage involving motor vehicles
- Fraud and other criminal offences
- Sexual conduct
- Outsourcing shifts
Damage to people or other people’s belongings: up to € 2,500,000 per claim. Maximum € 10,000,000 per year for all FreeFlexers combined.
Care, custody & control: up to € 25,000 per claim. Maximum € 100,000 per year for all FreeFlexers combined.
There is no separate excess. A franchise of € 75 applies: only claims above that amount are paid.
Examples
Covered
Example 2
After mopping, the floor stays wet. A guest falls and breaks an arm. Covered: injury to people.
Covered
Example 3
You drop your client’s mixer. Covered: care, custody & control.
Not covered
Example 4
You spill red wine on your own sneakers. Not covered: your own belongings.
Not covered
Example 5
You hit a bollard while driving your client’s car. Not covered: motor vehicles.
Accidents
Pays a one-off sum if you become permanently disabled or pass away due to an accident during your Temper shift.
Wel gedekt
- Accident resulting in permanent disability
- Accident resulting in death
- Damage to your own belongings due to an accident
- Re-education costs
- Hospital admission (€ 75 per day)
Niet gedekt
- Alcohol, drugs and similar substances
- Deliberate recklessness
- Intent
- Fights
- Accidents on the way to or from your shift
Permanent disability: up to € 50,000
Death: € 25,000
Examples
Covered
Example 1
During a shift you permanently lose function in a leg. You receive re-education support and a payout. Covered.
Covered
Example 2
After an accident, medical treatment goes wrong and you pass away. Dependants receive a payout. Covered.
Not covered
Example 3
After drinks you cycle while intoxicated and crash. Not covered: alcohol.
Not covered
Example 4
You have a car accident on the way home after your shift. Not covered: not during the shift.
Sick pay
Provides monthly income if illness or an accident means you cannot work at all for a period. For students, this also applies if you are physically unable to attend lectures. Cover applies 24/7 worldwide, subject to the conditions.
Wel gedekt
- Monthly benefit for full temporary inability to work (70% of your average Temper income)
- 90% in the first year if you are a FreeFlex Foundation (SVPW) member; then 70% again
- Personal health coach and temporary practical support (up to € 1,000)
- Parental or bereavement leave: one-off € 500
- Damage to personal belongings due to an accident (up to € 1,000)
Niet gedekt
- The first 2 weeks (waiting / qualifying period)
- Alcohol, drugs and similar substances
- Intent, gross negligence or deliberate recklessness
- Mental health issues
- Criminal offences
You become eligible after at least 10 Temper shifts, with the most recent shift no more than 3 months ago.
Waiting period: 2 weeks. Maximum benefit period: 2 years.
Benefit based on your average Temper earnings over the 3 full months before incapacity (or all available months if fewer).
FreeFlex Foundation (SVPW) membership is free: stichtingvrijplatformwerk.nl/aanmelden
Examples
Covered
Example Sophie (SVPW member)
Average € 1,283 per month. Weeks 1-2: no benefit. Week 3 to month 12: 90% (€ 1,155). Months 13-24: 70% (€ 898).
Covered
Example Hans (no SVPW)
Average € 900 per month with less than 3 full months of history. From week 3: 70% (€ 630) for up to 2 years.
Covered
Example Meriam
You recover within 2 weeks with Personal Injury Assistance. No monthly benefit (within the waiting period), but you do get support.
Report a claim
Choose the type of claim that applies to your situation:
You can also report a claim via the Temper app or website (temper.works).
Contact
+31 (0)10 899 0432
temper@aliciabenefits.com
Weekdays 09:00-17:00
About Alicia
Alicia Benefits builds insurance that fits freelancers and the self-employed. No long application processes or cover you do not need.
We combine insurance expertise with technology, so you are properly covered during your work via Temper - and can get back on track quickly after a claim.